Rates last updated on 4/19/2024; and subject to change without notice.
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Purchase or Refinance, Same Low Interest Rate
Fixed Rate Conforming Home Loans $50,000 to $766,750
30 Year Fixed (Conforming) 7.000% Rate 7.119% APR
Owner occupied properties in California only. Payment example: 360 payments of approximately $6.65 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
20 Year Fixed (Conforming) 6.750% Rate 6.902% APR
Owner occupied properties in California only. Payment example: 360 payments of approximately $7.60 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed (Conforming) 6.625% Rate 6.813% APR
Owner occupied properties in California only. Payment example: 120 payments of approximately $8.78 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
10 Year Fixed (Conforming) 6.500% Rate 6.763% APR
Owner occupied properties in California only. Payment example: 180 payments of approximately $11.35 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
Fixed Rate Jumbo Home Loans $766,751 and Over
30 Year Fixed (Jumbo) 7.250% Rate 7.305% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 360 payments of approximately $6.82 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
20 Year Fixed (Jumbo) 7.000% Rate 7.070% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 240 payments of approximately $7.75 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed (Jumbo) 6.875% Rate 6.868% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 180 payments of approximately $8.92 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
10 Year Fixed (Jumbo) 6.750% Rate 6.868% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 120 payments of approximately $11.48 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
ARM Rate Conforming Home Loans $50,000 to $766,750
10/10/10 ARM (Conforming) 6.625% Rate 6.489% APR
APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Payment example: 120 payments of approximately $6.16 per $1,000 borrowed, followed by 240 payments of $5.79 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
15/15 ARM (Conforming) 6.750% Rate 6.642% APR
APR is variable and based on 10-year CMT plus 1% margin. Max adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Payment example: 180 payments of approximately $6.32 per $1,000 borrowed, followed by 180 payments of $5.74 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
30 Year 5/5 ARM (conforming) 6.625% Rate 6.812% APR
APR is variable and based on 60-day FNMA rate. Owner occupied properties in California only. Payment example: 60 payments of approximately $6.16 per $1,000 borrowed, followed by 300 payments of $6.01 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment xample; your actual payment will be higher.
ARM Rate Jumbo Home Loans $766,751 and Over
10/10/10 ARM (Jumbo) 6.875% Rate 6.623% APR
APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 120 payments of approximately $6.40 per $1,000 borrowed, followed by 240 payments of $5.85 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
15/15 ARM (Jumbo) 7.000% Rate 6.812% APR
APR is variable and based on 10-year CMT plus 1% margin. Max adjustment 6%; floor rate 1.00%. Loan amounts $766,551 and greater. Owner occupied properties in California only. Payment example: 180 payments of approximately $6.49 per $1,000 borrowed, followed by 180 payments of $5.80 er $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
30 Year 5/5 ARM (jumbo) 6.875% Rate 7.002% APR
APR is variable and based on 60-day FNMA rate. Loan amounts $766,551 and greater. Owner occupied properties in California only. Payment example: 60 payments of approximately $6.57 per $1,000 borrowed, followed by 300 payments of $6.06 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
Home Equity Line of Credit
Home Equity Line of Credit (HELOC) (conforming) 5.99% APR for 6 months, then As Low as Prime +0%
APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 8.50%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example: 6 monthly payments of approximately $7.17 for each $1,000 borrowed, followed by 234 monthly payments of approximately $8.67 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result.
Home Equity Loans
10 Year Fixed (conforming) As low as 7.500% APR
Your actual rate may vary based on your credit history and CLTV. Maximum LTV 80%. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 120 monthly payments of approximately $11.87 per $1,000 borrowed.
15 Year Fixed (conforming) As low as 8.000% APR
Your actual rate may vary based on your credit history and CLTV. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 180 monthly payments of $9.56 per $1,000 borrowed.
20 Year Fixed (conforming) As low as 8.500% APR
Your actual rate may vary based on your credit history and CLTV. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 240 monthly payments of approximately $8.68 per $1,000 borrowed.
30 Year 7/1 ARM (conforming) As low as 7.930% APR
APR is fixed for 7 years, then adjusts annually based on weekly average 1-Year Constant Maturity Treasury, plus 3%. Maximum LTV 80%. Maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner occupied properties in California only. Add 0.50% for jumbo loans. Add 1 point for piggyback loans. Maximum lifetime adjustment 10%. Payment example: 84 payments of approximately $6.99 per $1,000 borrowed, followed by 276 payments of approximately $7.59 per $1,000 borrowed. 700+ FICO for lowest rates.
Non-Owner Occupied Home Loan
10 Year Fixed (conforming) 7.125% Rate 7.320% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $11.61 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed (conforming) 7.000% Rate 7.270% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $9.06 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
Non-Owner Occupied Home Equity Loan
10 Year Fixed Second (conforming) 8.750% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $7.87 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed Second (conforming) 9.750% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.23 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.